Minnesota Homeowners Insurance

Compiled byPlaininsure Editorial, Homeowners Insurance Transparency Editorial Team

U.S. Treasury FIO data for 689 ZIP codes in Minnesota (MN).

The verdict

Homeowners in Minnesota pay about $1,928/yr, 9% above the U.S. average - the 18th most expensive of 51 states.

$1,928
State avg premium: +9%
vs U.S. average: +12.8%
2018→2022 change: #18
of 51 states

Across 689 ZIP codes, ZIP-level premiums vary widely within the state.

Homeowners in Minnesota pay an average of $1,928 per year for home insurance — 9% above the national average of $1,776. That ranks Minnesota as the 18th most expensive state out of 51 for homeowners insurance. Between 2018 and 2022, premiums rose by 12.8%; loss ratios above 100% indicate insurers paid more in claims than they collected, a leading indicator of future rate increases; nonrenewal rates climbed by 22.3% over the same period.

On five-year premium growth (2018–2022), Minnesota ranks 8th out of 51 states. Its nonrenewal rate (0.65%) ranks 45th out of 50 — nonrenewal is an early warning indicator of insurer retreat, often tied to disaster risk.

Source: U.S. Department of the Treasury, Federal Insurance Office — "Analyses of U.S. Homeowners Insurance Markets, 2018–2022." Premium values are five-year averages across all ZIP-level observations. See methodology for caveats.

Avg Premium

$1,928/yr

National avg: $1,776 (+9% above)

Premium Change

+12.8%

2018-2022 change

Avg Loss Ratio

117.2%

Claims paid vs premiums earned

Nonrenewal Rate

0.65%

+22.3% change

Data Snapshot: Minnesota Homeowners Insurance

Minnesota homeowners paid an average of $1,928 per year for home insurance based on U.S. Treasury FIO data covering 689 ZIP codes across the state. That is 9% above the national average of $1,776 per year reported by the Federal Insurance Office. Minnesota ranks 18th most expensive out of 51 states and territories on annual premium, with ZIP-level observations ranging from $1,095 in 55602 to $5,811 in 55403.

Between 2018 and 2022, average premiums rose by 12.8% in Minnesota, placing the state 8th nationally on five-year premium growth. The state-level loss ratio averaged 117.2%, meaning insurers paid out more in claims than they collected in premiums, a leading indicator of future rate increases. Nonrenewal rates, the share of policies insurers decline to extend at expiration, averaged 0.65%, a climb of 22.3% over the study period (ranking 45th out of 50 states).

Within Minnesota, premium dispersion across ZIP codes is substantial: the most expensive ZIP (55403 in Minneapolis) charges 431% more than the least expensive (55602 in Brimson), reflecting local differences in catastrophe exposure, construction costs, and claims history. The FIO dataset aggregates voluntary reporting from the 40 largest homeowners insurers covering roughly 80% of the U.S. market, so ZIP-level figures represent market averages rather than individual quotes; actual premiums vary with dwelling value, deductible, coverage limits, and insurer-specific underwriting. This page is for educational research only and is not insurance advice, homeowners should obtain quotes from multiple licensed carriers or an independent agent before purchasing or renewing coverage.

How to read these figures: state averages on this page are computed from U.S. Treasury Federal Insurance Office data, which the office collects directly from the largest homeowners insurers and reports at the ZIP-code level. A statewide average blends expensive coastal and wildfire-exposed markets with lower-cost inland areas, so the figure is a useful benchmark but will understate what some residents pay and overstate what others pay. The loss ratio is the share of every premium dollar that insurers returned as claims; sustained ratios near or above one signal a market under pressure, where rate increases, tighter underwriting, or nonrenewals tend to follow. Claim frequency and nonrenewal rates show how often policies result in claims and how often insurers decline to renew, both of which track local catastrophe exposure. Treat the state number as context, then drill into your own ZIP code for the figure closest to your situation and compare quotes from several licensed carriers before deciding.

Loss Ratio Reading: Minnesota

Minnesota statewide - FIO 2018-2022 average: 117% (Underwriting loss) - paid out more than collected, rate increases virtually guaranteed.

ZIP Codes Tracked

689

Reporting Period

2018-2022

Source

U.S. Treasury FIO

Premium Trends (2018-2022)

Year	Avg Premium	Median Premium	Loss Ratio	Claim Freq	Nonrenewal
2018	$1,708	$1,603	48.9%	5.23%	0.53%
2019	$1,761 (+3.1%)	$1,663	62.2%	6.70%	0.37%
2020	$1,801 (+2.3%)	$1,715	62.8%	6.67%	0.34%
2021	$1,868 (+3.7%)	$1,788	62.6%	6.33%	0.46%
2022	$1,928 (+3.2%)	$1,857	117.2%	13.17%	0.65%

Average homeowners premium per year in Minnesota.

Most Expensive ZIP Codes in Minnesota

Most Affordable ZIP Codes in Minnesota

All ZIP Codes in Minnesota

689 ZIP codes sorted by premium (highest first). Click column headers to sort.

ZIP	City	Premium	Loss Ratio	Claims	Nonrenewal
55403	Minneapolis	$5,811	37.0%	14.25%	0.81%
55391	Wayzata	$4,839	69.8%	6.93%	0.44%
55356	Long Lake	$4,509	63.2%	6.77%	0.21%
55424	Minneapolis	$3,840	42.1%	8.47%	0.29%
55436	Minneapolis	$3,822	56.4%	9.08%	0.58%
55331	Excelsior	$3,656	77.0%	7.84%	0.28%
55439	Minneapolis	$3,615	56.6%	10.26%	0.50%
55405	Minneapolis	$3,426	47.3%	10.99%	0.89%
55359	Maple Plain	$3,332	37.1%	5.90%	0.55%
55347	Eden Prairie	$3,311	80.7%	10.84%	0.68%
55340	Hamel	$3,297	43.7%	4.51%	1.07%
55001	Afton	$3,297	350.0%	38.43%	0.22%
55344	Eden Prairie	$3,101	38.7%	8.51%	0.34%
55127	Saint Paul	$3,081	96.8%	14.55%	0.40%
55305	Hopkins	$3,079	65.4%	7.80%	0.49%
55435	Minneapolis	$3,064	62.5%	10.18%	0.19%
55357	Loretto	$3,027	235.3%	8.57%	0.94%
55364	Mound	$3,022	54.5%	6.32%	0.53%
55446	Minneapolis	$2,985	47.7%	4.79%	0.95%
55317	Chanhassen	$2,975	104.5%	10.27%	0.41%
55372	Prior Lake	$2,943	64.6%	7.54%	0.64%
55088	Webster	$2,920	165.2%	14.35%	N/A
55311	Maple Grove	$2,868	39.1%	4.76%	0.57%
55386	Victoria	$2,842	44.0%	5.46%	0.39%
55047	Marine On Saint Croix	$2,785	32.2%	5.36%	0.23%
55447	Minneapolis	$2,775	53.5%	5.78%	0.40%
55120	Saint Paul	$2,767	197.3%	24.92%	0.76%
55442	Minneapolis	$2,765	39.2%	5.83%	0.42%
55408	Minneapolis	$2,756	62.1%	7.02%	0.86%
55077	Inver Grove Heights	$2,746	72.0%	8.79%	0.53%
55384	Spring Park	$2,745	83.6%	5.00%	1.25%
55129	Saint Paul	$2,737	269.1%	30.03%	0.73%
55410	Minneapolis	$2,736	40.2%	6.79%	0.41%
55416	Minneapolis	$2,730	61.4%	9.94%	0.50%
55082	Stillwater	$2,729	256.9%	24.35%	0.35%
55345	Minnetonka	$2,688	55.0%	7.89%	0.54%
55438	Minneapolis	$2,687	61.6%	6.37%	0.64%
55089	Welch	$2,682	144.3%	15.92%	0.56%
55020	Elko New Market	$2,668	107.5%	10.37%	0.20%
55441	Minneapolis	$2,650	49.5%	6.69%	0.52%
55042	Lake Elmo	$2,640	493.4%	47.23%	0.22%
55115	Saint Paul	$2,637	545.1%	65.33%	0.47%
55375	Saint Bonifacius	$2,634	24.6%	5.25%	0.91%
55105	Saint Paul	$2,632	96.7%	15.15%	0.23%
55346	Eden Prairie	$2,626	69.6%	8.40%	0.46%
55387	Waconia	$2,609	29.0%	4.72%	0.41%
55123	Saint Paul	$2,595	91.2%	8.96%	0.50%
55419	Minneapolis	$2,566	62.0%	8.12%	0.49%
55031	Hampton	$2,564	158.5%	18.07%	0.50%
55125	Saint Paul	$2,562	357.1%	38.82%	0.47%
55318	Chaska	$2,548	54.4%	6.77%	0.54%
55404	Minneapolis	$2,539	108.9%	8.54%	1.11%
55073	Scandia	$2,528	19.6%	3.12%	0.68%
55054	Elko New Market	$2,524	45.6%	5.73%	1.15%
55044	Lakeville	$2,516	118.2%	13.33%	0.54%
55053	Nerstrand	$2,514	262.8%	31.36%	0.59%
55409	Minneapolis	$2,496	47.7%	8.38%	0.70%
55374	Rogers	$2,488	77.3%	8.74%	0.88%
55902	Rochester	$2,485	311.0%	36.95%	0.33%
55379	Shakopee	$2,482	249.9%	27.98%	0.71%
55328	Delano	$2,479	77.1%	6.18%	0.26%
55378	Savage	$2,476	51.3%	7.44%	0.60%
55414	Minneapolis	$2,473	42.5%	9.65%	0.53%
55352	Jordan	$2,461	95.7%	8.59%	0.50%
55443	Minneapolis	$2,444	31.7%	4.30%	0.81%
56157	Lynd	$2,440	12.7%	3.85%	N/A
55018	Dennison	$2,439	151.9%	19.18%	N/A
55322	Cologne	$2,432	26.3%	4.26%	0.59%
55304	Andover	$2,421	85.8%	9.26%	0.71%
55118	Saint Paul	$2,419	129.4%	14.97%	0.40%
55124	Saint Paul	$2,417	194.1%	23.26%	0.56%
55306	Burnsville	$2,415	61.0%	8.14%	0.42%
55343	Hopkins	$2,412	56.0%	7.18%	0.37%
55038	Hugo	$2,407	34.3%	3.71%	0.41%
55110	Saint Paul	$2,404	195.3%	26.32%	0.41%
56071	New Prague	$2,402	384.8%	40.90%	0.36%
55122	Saint Paul	$2,386	127.0%	13.81%	0.47%
55449	Minneapolis	$2,385	31.5%	2.88%	1.02%
55126	Saint Paul	$2,384	53.6%	7.61%	0.34%
55116	Saint Paul	$2,375	73.9%	12.11%	0.53%
55043	Lakeland	$2,373	577.1%	67.79%	0.36%
55121	Saint Paul	$2,372	73.8%	9.75%	0.69%
55033	Hastings	$2,368	88.1%	9.76%	0.33%
55315	Carver	$2,360	77.5%	9.97%	0.58%
55085	Vermillion	$2,356	65.0%	4.55%	N/A
55376	Saint Michael	$2,355	65.0%	7.59%	0.63%
55102	Saint Paul	$2,354	118.1%	14.55%	0.60%
55024	Farmington	$2,343	94.1%	9.82%	0.68%
55065	Randolph	$2,332	285.4%	28.51%	N/A
55445	Minneapolis	$2,329	43.0%	4.10%	0.95%
55068	Rosemount	$2,329	86.5%	9.60%	0.52%
55025	Forest Lake	$2,320	53.0%	4.85%	0.59%
55437	Minneapolis	$2,315	50.9%	6.18%	0.60%
55388	Watertown	$2,315	17.3%	3.39%	0.39%
55367	New Germany	$2,312	86.9%	15.18%	1.57%
55341	Hanover	$2,309	83.7%	7.54%	0.44%
55337	Burnsville	$2,307	54.7%	8.09%	0.68%
55373	Rockford	$2,305	45.6%	6.11%	0.74%
55114	Saint Paul	$2,304	101.8%	17.12%	0.90%
55011	Cedar	$2,304	189.2%	17.71%	0.80%
55032	Harris	$2,302	304.9%	21.56%	0.44%
55057	Northfield	$2,285	424.9%	39.61%	0.43%
55101	Saint Paul	$2,285	68.0%	11.86%	N/A
55108	Saint Paul	$2,266	196.3%	29.36%	0.47%
55313	Buffalo	$2,260	86.2%	7.98%	0.48%
55339	Hamburg	$2,256	89.7%	4.84%	1.08%
56288	Spicer	$2,246	106.3%	18.36%	0.20%
55360	Mayer	$2,246	68.1%	7.75%	0.26%
55369	Osseo	$2,243	40.5%	4.80%	0.46%
55316	Champlin	$2,243	65.6%	7.77%	0.47%
55960	Oronoco	$2,241	178.8%	18.15%	0.12%
55370	Plato	$2,240	380.0%	14.91%	0.62%
55309	Big Lake	$2,237	595.1%	46.67%	0.60%
55009	Cannon Falls	$2,233	546.6%	58.45%	0.34%
55308	Becker	$2,220	692.9%	56.80%	0.19%
55303	Anoka	$2,219	104.0%	10.52%	0.69%
55385	Stewart	$2,214	81.8%	9.43%	0.63%
55080	Stanchfield	$2,213	314.9%	27.12%	0.28%
56011	Belle Plaine	$2,212	182.4%	13.70%	0.25%
55026	Frontenac	$2,210	294.2%	35.29%	0.74%
55362	Monticello	$2,205	124.8%	12.30%	0.51%
55422	Minneapolis	$2,203	62.8%	9.26%	0.74%
55104	Saint Paul	$2,202	135.0%	19.66%	0.49%
56468	Nisswa	$2,198	62.2%	8.05%	0.28%
55330	Elk River	$2,192	132.7%	11.32%	0.57%
55368	Norwood Young America	$2,189	39.3%	7.14%	0.26%
55013	Chisago City	$2,188	24.5%	4.10%	0.53%
56285	Sacred Heart	$2,186	94.2%	25.00%	1.19%
55427	Minneapolis	$2,184	62.9%	9.21%	0.68%
55046	Lonsdale	$2,180	215.4%	19.32%	0.55%
55411	Minneapolis	$2,180	66.9%	8.66%	1.03%
55413	Minneapolis	$2,179	66.5%	6.08%	0.72%
55320	Clearwater	$2,172	341.9%	32.55%	0.17%
55955	Mantorville	$2,172	20.5%	5.30%	0.50%
55302	Annandale	$2,171	84.1%	10.35%	0.22%
55382	South Haven	$2,168	58.3%	7.81%	0.51%
55016	Cottage Grove	$2,160	101.3%	11.24%	0.61%
56357	Oak Park	$2,160	257.9%	16.96%	N/A
55926	Dexter	$2,160	243.4%	17.95%	N/A
55301	Albertville	$2,159	84.8%	9.84%	0.96%
55079	Stacy	$2,159	71.1%	8.48%	0.42%
55005	Bethel	$2,158	203.6%	15.83%	0.56%
55398	Zimmerman	$2,150	568.9%	47.14%	0.48%
55991	Zumbro Falls	$2,148	95.3%	14.70%	0.36%
55003	Bayport	$2,148	513.1%	52.70%	0.46%
56063	Madison Lake	$2,145	47.0%	7.78%	N/A
56052	Kilkenny	$2,141	156.7%	16.55%	0.69%
55112	Saint Paul	$2,139	62.5%	7.27%	0.52%
56026	Ellendale	$2,139	65.0%	8.47%	0.33%
55358	Maple Lake	$2,139	60.0%	8.80%	0.41%
55012	Center City	$2,134	254.2%	20.12%	0.60%
55407	Minneapolis	$2,128	62.6%	9.41%	0.63%
55327	Dayton	$2,128	56.2%	5.53%	0.96%
55019	Dundas	$2,127	711.0%	63.97%	0.92%
55074	Shafer	$2,122	71.9%	8.97%	0.19%
55390	Waverly	$2,122	85.0%	7.11%	1.00%
55417	Minneapolis	$2,120	43.4%	7.00%	0.40%
56009	Alden	$2,116	64.6%	14.74%	N/A
55397	Young America	$2,116	29.7%	5.55%	0.18%
55363	Montrose	$2,115	123.3%	10.64%	0.72%
55431	Minneapolis	$2,112	50.6%	6.45%	0.51%
55128	Saint Paul	$2,102	557.2%	62.73%	0.47%
55092	Wyoming	$2,102	46.7%	5.54%	0.46%
55070	Saint Francis	$2,101	206.2%	23.97%	0.71%
55014	Circle Pines	$2,101	18.2%	2.57%	0.41%
56442	Crosslake	$2,100	79.6%	13.62%	0.18%
55426	Minneapolis	$2,099	65.5%	10.05%	0.30%
55113	Saint Paul	$2,097	140.1%	17.74%	0.50%
55444	Minneapolis	$2,096	59.6%	6.24%	0.74%
55045	Lindstrom	$2,094	149.0%	8.78%	0.48%
55349	Howard Lake	$2,093	50.3%	6.04%	0.34%
56330	Foreston	$2,093	142.4%	8.10%	0.70%
55967	Racine	$2,084	132.0%	17.90%	N/A
56050	Kasota	$2,084	68.2%	9.77%	N/A
55052	Morristown	$2,084	78.1%	6.55%	N/A
55325	Dassel	$2,082	150.9%	9.16%	0.40%
55056	North Branch	$2,082	112.2%	10.43%	0.59%
55076	Inver Grove Heights	$2,081	101.1%	11.41%	0.46%
55920	Byron	$2,080	81.4%	11.19%	0.37%
56045	Hollandale	$2,079	63.2%	11.54%	1.54%
55418	Minneapolis	$2,076	44.6%	6.24%	0.64%
56289	Sunburg	$2,075	121.2%	14.71%	0.74%
55354	Lester Prairie	$2,072	135.0%	13.77%	N/A
55314	Buffalo Lake	$2,069	98.2%	16.39%	N/A
56044	Henderson	$2,067	186.2%	8.53%	0.80%
55017	Dalbo	$2,067	520.0%	30.15%	0.74%
55953	Lyle	$2,066	147.7%	14.08%	N/A
55040	Isanti	$2,062	275.0%	27.22%	0.54%
55371	Princeton	$2,048	503.1%	43.79%	0.52%
55084	Taylors Falls	$2,043	148.0%	12.14%	0.49%
56377	Sartell	$2,043	480.2%	43.23%	0.20%
56229	Cottonwood	$2,040	255.5%	37.21%	1.74%
55321	Cokato	$2,040	66.6%	6.03%	0.32%
55324	Darwin	$2,040	285.5%	26.87%	N/A
55985	West Concord	$2,039	87.9%	13.76%	0.67%
56331	Freeport	$2,039	217.9%	25.00%	N/A
55027	Goodhue	$2,039	212.3%	14.19%	N/A
55962	Peterson	$2,037	146.6%	15.15%	0.76%
55338	Green Isle	$2,036	32.7%	3.80%	0.42%
56262	Milan	$2,033	180.8%	28.00%	N/A
55319	Clear Lake	$2,032	457.8%	34.83%	0.26%
55008	Cambridge	$2,030	271.1%	26.05%	0.53%
56320	Cold Spring	$2,027	130.0%	12.75%	0.31%
55448	Minneapolis	$2,027	42.4%	4.38%	0.85%
55934	Eyota	$2,022	102.9%	13.04%	0.17%
55312	Brownton	$2,018	103.4%	11.30%	0.84%
55350	Hutchinson	$2,016	41.7%	5.45%	0.30%
56230	Danube	$2,016	189.3%	29.79%	N/A
56511	Audubon	$2,016	117.8%	13.15%	0.30%
55069	Rush City	$2,014	265.4%	22.62%	0.29%
55109	Saint Paul	$2,012	580.7%	67.07%	0.81%
56037	Good Thunder	$2,011	130.3%	6.14%	0.36%
55956	Mazeppa	$2,008	124.0%	14.91%	0.31%
55406	Minneapolis	$2,007	60.6%	7.94%	0.43%
55906	Rochester	$2,005	63.9%	8.74%	0.18%
56252	Kerkhoven	$2,005	153.5%	25.74%	1.47%
56353	Milaca	$2,001	134.5%	10.44%	0.36%
56273	New London	$2,001	99.8%	13.69%	0.45%
55353	Kimball	$1,999	193.1%	12.32%	0.28%
55107	Saint Paul	$1,999	133.2%	17.60%	0.62%
55021	Faribault	$1,996	137.1%	16.18%	0.35%
56297	Wood Lake	$1,995	138.9%	31.17%	1.30%
55395	Winsted	$1,995	70.5%	10.00%	N/A
56041	Hanska	$1,994	9.3%	3.60%	N/A
55055	Newport	$1,986	99.2%	9.43%	0.79%
56367	Rice	$1,985	63.2%	6.71%	0.15%
56329	Foley	$1,984	641.5%	40.11%	0.27%
55071	Saint Paul Park	$1,984	94.1%	8.76%	0.52%
55119	Saint Paul	$1,983	358.0%	44.74%	0.85%
56547	Glyndon	$1,980	33.0%	7.66%	0.38%
56034	Garden City	$1,979	130.4%	9.88%	1.23%
55428	Minneapolis	$1,974	39.7%	5.11%	0.72%
55087	Warsaw	$1,973	80.3%	8.75%	N/A
56444	Deerwood	$1,973	73.5%	9.83%	0.19%
56019	Comfrey	$1,973	21.7%	2.25%	3.37%
56028	Elysian	$1,971	36.0%	5.24%	0.22%
56036	Glenville	$1,971	345.7%	34.80%	0.68%
55812	Duluth	$1,969	42.4%	2.96%	0.44%
56232	Dawson	$1,969	234.1%	40.34%	1.03%
55917	Blooming Prairie	$1,966	57.4%	8.14%	0.21%
56277	Olivia	$1,965	83.4%	15.56%	0.46%
55006	Braham	$1,965	86.7%	10.23%	0.43%
55090	Willernie	$1,965	304.6%	55.97%	1.49%
55066	Red Wing	$1,961	108.1%	11.46%	0.43%
56057	Le Center	$1,961	89.9%	9.25%	0.32%
56279	Pennock	$1,961	480.1%	59.88%	0.58%
56307	Albany	$1,961	216.9%	22.83%	0.28%
56042	Hartland	$1,960	432.3%	25.56%	N/A
55936	Grand Meadow	$1,958	131.2%	21.35%	0.37%
55049	Medford	$1,957	38.7%	7.42%	0.48%
55412	Minneapolis	$1,957	70.1%	8.02%	1.07%
56014	Bricelyn	$1,955	12.0%	5.97%	2.99%
55381	Silver Lake	$1,954	37.6%	3.31%	0.28%
56069	Montgomery	$1,952	66.4%	8.22%	0.23%
55423	Minneapolis	$1,950	48.6%	7.08%	0.63%
55963	Pine Island	$1,949	425.6%	47.50%	0.33%
55117	Saint Paul	$1,948	244.3%	31.49%	0.73%
56572	Pelican Rapids	$1,947	36.7%	4.63%	0.31%
56021	Courtland	$1,946	17.9%	5.15%	1.03%
55932	Elgin	$1,944	149.3%	16.58%	0.75%
56534	Erhard	$1,944	46.2%	7.93%	0.44%
55425	Minneapolis	$1,944	54.5%	4.70%	0.91%
55396	Winthrop	$1,943	51.2%	8.93%	0.30%
56327	Farwell	$1,942	228.9%	35.21%	N/A
55433	Minneapolis	$1,942	36.3%	4.20%	0.65%
55336	Glencoe	$1,941	105.7%	8.45%	0.82%
55429	Minneapolis	$1,941	69.2%	9.13%	0.98%
56017	Cleveland	$1,939	76.0%	7.62%	0.20%
56336	Grey Eagle	$1,936	321.7%	30.22%	0.22%
56373	Royalton	$1,935	164.2%	17.79%	0.25%
55420	Minneapolis	$1,934	50.9%	6.70%	0.48%
55970	Rose Creek	$1,933	136.3%	18.81%	N/A
55940	Hayfield	$1,930	98.0%	13.72%	1.16%
56594	Wolverton	$1,925	31.6%	12.50%	N/A
56310	Avon	$1,923	303.3%	29.37%	0.77%
56115	Balaton	$1,922	105.2%	18.95%	1.31%
56258	Marshall	$1,922	33.7%	6.13%	0.25%
56301	Saint Cloud	$1,922	317.6%	29.42%	0.48%
55103	Saint Paul	$1,920	199.0%	25.17%	1.37%
56296	Wheaton	$1,920	84.4%	5.37%	0.85%
56241	Granite Falls	$1,919	131.6%	22.01%	0.16%
55075	South Saint Paul	$1,919	85.2%	11.40%	0.60%
55389	Watkins	$1,915	32.4%	6.05%	0.25%
56097	Wells	$1,915	46.9%	8.52%	1.57%
56172	Slayton	$1,914	24.6%	4.55%	0.35%
56332	Garfield	$1,914	46.5%	11.41%	0.30%
56319	Carlos	$1,913	135.1%	22.67%	0.33%
56264	Minneota	$1,912	181.8%	29.71%	N/A
55927	Dodge Center	$1,912	75.3%	9.09%	0.46%
56055	Lake Crystal	$1,908	59.3%	7.33%	0.13%
55130	Saint Paul	$1,908	220.9%	28.91%	1.49%
56271	Murdock	$1,906	204.4%	24.32%	N/A
55307	Arlington	$1,905	27.9%	3.83%	0.20%
55421	Minneapolis	$1,905	44.8%	5.80%	0.79%
55342	Hector	$1,904	33.2%	2.80%	0.93%
55060	Owatonna	$1,902	31.7%	4.95%	0.27%
55943	Houston	$1,901	182.3%	17.90%	0.39%
56284	Renville	$1,900	221.0%	31.34%	0.50%
56243	Grove City	$1,899	126.2%	9.60%	1.52%
55924	Claremont	$1,899	70.7%	12.66%	0.63%
56340	Holdingford	$1,898	158.0%	13.78%	N/A
55430	Minneapolis	$1,898	45.4%	6.97%	0.89%
56314	Bowlus	$1,896	483.5%	29.03%	1.08%
56484	Walker	$1,895	93.7%	7.45%	0.48%
56029	Emmons	$1,893	374.1%	54.55%	1.14%
55946	Kenyon	$1,892	115.5%	8.88%	0.18%
56580	Sabin	$1,890	20.8%	6.27%	N/A
56093	Waseca	$1,890	20.2%	5.51%	0.37%
56379	Sauk Rapids	$1,889	508.6%	39.38%	0.42%
55432	Minneapolis	$1,888	39.2%	5.36%	0.97%
56251	Kandiyohi	$1,887	832.0%	72.25%	N/A
56171	Sherburn	$1,884	56.2%	10.34%	0.69%
56554	Lake Park	$1,883	74.0%	9.64%	0.23%
56062	Madelia	$1,882	25.1%	5.21%	0.99%
55992	Zumbrota	$1,879	69.7%	9.16%	N/A
56244	Hancock	$1,878	287.5%	39.04%	N/A
55923	Chatfield	$1,878	47.7%	8.68%	0.50%
55945	Kellogg	$1,877	249.8%	21.92%	N/A
56374	Saint Joseph	$1,876	714.0%	62.29%	0.31%
56256	Madison	$1,872	602.7%	44.52%	0.32%
56110	Adrian	$1,872	342.5%	48.71%	N/A
56472	Pequot Lakes	$1,871	59.8%	8.72%	0.25%
56058	Le Sueur	$1,871	54.6%	4.57%	0.25%
56312	Belgrade	$1,870	155.2%	11.36%	0.91%
56010	Amboy	$1,869	60.9%	11.50%	0.88%
55310	Bird Island	$1,869	49.5%	8.54%	1.22%
56283	Redwood Falls	$1,868	50.0%	6.61%	0.70%
56132	Garvin	$1,867	117.6%	14.91%	1.75%
55106	Saint Paul	$1,867	258.5%	33.81%	1.06%
56178	Tyler	$1,867	82.3%	13.18%	0.68%
56304	Saint Cloud	$1,867	219.3%	18.98%	0.47%
56501	Detroit Lakes	$1,865	47.4%	4.23%	0.33%
56527	Deer Creek	$1,865	31.4%	7.14%	2.38%
56265	Montevideo	$1,864	656.4%	79.02%	0.48%
55615	Tofte	$1,864	15.9%	0.72%	N/A
56001	Mankato	$1,862	150.6%	18.30%	0.27%
56710	Alvarado	$1,862	58.7%	6.17%	1.23%
55721	Cohasset	$1,862	49.5%	8.37%	0.10%
56362	Paynesville	$1,861	45.7%	8.11%	0.47%
56082	Saint Peter	$1,861	49.1%	5.39%	0.32%
55434	Minneapolis	$1,860	39.2%	4.63%	0.74%
56072	New Richland	$1,859	21.8%	4.62%	0.82%
56223	Clarkfield	$1,858	561.4%	72.92%	N/A
55957	Millville	$1,858	138.4%	14.42%	N/A
56201	Willmar	$1,857	250.0%	30.98%	0.45%
56334	Glenwood	$1,857	153.5%	14.32%	0.52%
56083	Sanborn	$1,856	114.7%	10.10%	N/A
56101	Windom	$1,855	17.6%	4.23%	0.51%
56087	Springfield	$1,854	34.1%	5.23%	0.44%
56116	Beaver Creek	$1,853	375.7%	53.62%	1.45%
56098	Winnebago	$1,852	172.1%	8.58%	2.61%
56003	Mankato	$1,851	124.4%	15.05%	0.39%
56723	Fisher	$1,851	49.8%	8.97%	0.69%
55802	Duluth	$1,849	21.6%	3.47%	N/A
55929	Dover	$1,848	209.6%	25.96%	N/A
56375	Saint Stephen	$1,848	50.3%	9.94%	N/A
55901	Rochester	$1,848	48.3%	7.19%	0.25%
56048	Janesville	$1,847	99.0%	10.68%	0.31%
55030	Grasston	$1,847	128.6%	13.49%	0.33%
56007	Albert Lea	$1,845	40.9%	6.35%	0.59%
56065	Mapleton	$1,844	73.6%	9.28%	0.21%
56267	Morris	$1,844	205.8%	34.91%	0.22%
56220	Canby	$1,842	298.9%	40.48%	1.43%
55919	Brownsville	$1,842	71.0%	9.15%	0.61%
56085	Sleepy Eye	$1,837	18.8%	3.58%	0.45%
56549	Hawley	$1,834	79.0%	7.49%	0.54%
56575	Ponsford	$1,834	39.2%	7.60%	N/A
56576	Richville	$1,834	33.9%	5.53%	N/A
56474	Pine River	$1,834	67.8%	9.86%	0.33%
55918	Brownsdale	$1,833	53.0%	10.06%	0.63%
55951	Le Roy	$1,832	21.3%	4.90%	1.96%
56215	Benson	$1,831	181.4%	18.36%	0.37%
55975	Spring Valley	$1,830	104.1%	12.95%	0.17%
56096	Waterville	$1,830	71.7%	8.06%	0.50%
56152	Lamberton	$1,827	19.9%	4.03%	N/A
56308	Alexandria	$1,825	199.7%	20.79%	0.34%
55983	Wanamingo	$1,824	37.9%	7.30%	N/A
56013	Blue Earth	$1,824	24.0%	4.08%	0.47%
56378	Sauk Centre	$1,824	204.4%	18.13%	0.23%
56088	Truman	$1,823	21.9%	3.96%	1.76%
56024	Eagle Lake	$1,821	42.4%	7.08%	N/A
55981	Wabasha	$1,819	109.9%	12.54%	0.09%
56080	Saint Clair	$1,816	46.8%	8.49%	N/A
56680	Spring Lake	$1,816	58.5%	4.23%	N/A
55355	Litchfield	$1,815	76.9%	8.54%	0.55%
55979	Utica	$1,815	179.9%	19.39%	N/A
56222	Clara City	$1,814	541.1%	69.35%	0.54%
55947	La Crescent	$1,814	126.3%	15.00%	0.16%
56364	Pierz	$1,814	139.1%	16.22%	0.18%
56368	Richmond	$1,814	33.8%	4.95%	0.30%
56035	Geneva	$1,813	157.9%	6.86%	N/A
55964	Plainview	$1,810	551.3%	58.67%	N/A
56131	Fulda	$1,810	48.2%	8.68%	1.89%
56578	Rochert	$1,809	351.8%	29.71%	0.27%
56358	Ogilvie	$1,809	91.2%	9.21%	0.77%
56187	Worthington	$1,808	44.8%	9.62%	0.72%
56209	Atwater	$1,807	302.3%	35.55%	0.38%
56352	Melrose	$1,805	588.5%	48.46%	0.44%
56381	Starbuck	$1,805	137.3%	20.62%	0.19%
56239	Ghent	$1,803	46.4%	14.14%	N/A
56514	Barnesville	$1,803	38.8%	5.43%	0.35%
56349	Lowry	$1,802	309.1%	42.86%	0.95%
55334	Gaylord	$1,800	20.7%	4.63%	1.39%
55949	Lanesboro	$1,798	56.9%	8.76%	1.09%
56176	Trimont	$1,796	129.7%	15.56%	N/A
56401	Brainerd	$1,795	84.0%	10.18%	0.35%
56449	Fort Ripley	$1,794	278.8%	17.39%	0.54%
55041	Lake City	$1,793	148.0%	16.76%	0.41%
56016	Clarks Grove	$1,790	24.9%	3.75%	2.50%
56382	Swanville	$1,789	36.9%	6.25%	0.78%
56128	Edgerton	$1,789	33.5%	1.27%	N/A
56078	Pemberton	$1,785	193.4%	6.15%	1.54%
56524	Clitherall	$1,785	22.3%	5.94%	1.49%
55612	Lutsen	$1,784	12.1%	2.26%	N/A
55909	Adams	$1,783	532.5%	60.16%	N/A
56149	Lake Benton	$1,782	70.0%	16.67%	N/A
56573	Perham	$1,782	34.4%	6.08%	0.31%
56159	Mountain Lake	$1,780	91.5%	4.21%	2.30%
55925	Dakota	$1,776	303.1%	23.04%	N/A
56081	Saint James	$1,776	24.5%	5.28%	0.47%
55332	Fairfax	$1,773	90.5%	8.82%	0.98%
56228	Cosmos	$1,769	408.7%	25.40%	1.59%
56260	Maynard	$1,767	589.1%	67.44%	N/A
56031	Fairmont	$1,766	21.0%	4.58%	0.31%
56074	Nicollet	$1,763	16.1%	5.30%	0.35%
56137	Heron Lake	$1,763	23.8%	5.41%	2.70%
56270	Morton	$1,763	97.7%	4.41%	2.21%
56339	Hoffman	$1,763	115.9%	30.69%	N/A
55976	Stewartville	$1,763	121.4%	15.00%	0.13%
55944	Kasson	$1,762	37.1%	6.29%	0.47%
55912	Austin	$1,762	53.4%	9.17%	0.57%
55952	Lewiston	$1,762	256.4%	28.90%	N/A
55910	Altura	$1,760	74.9%	8.92%	N/A
56446	Eagle Bend	$1,759	535.4%	34.08%	1.12%
56571	Ottertail	$1,753	96.8%	15.82%	0.22%
56588	Vining	$1,752	59.5%	9.83%	N/A
55971	Rushford	$1,752	140.2%	8.97%	0.51%
56248	Herman	$1,752	263.4%	31.08%	N/A
56043	Hayward	$1,750	50.7%	14.67%	1.33%
55051	Mora	$1,749	71.1%	4.82%	0.45%
55063	Pine City	$1,748	136.0%	14.17%	0.75%
55935	Fountain	$1,748	52.4%	11.21%	N/A
55990	Wykoff	$1,747	67.3%	10.53%	3.51%
56073	New Ulm	$1,747	33.2%	3.72%	0.23%
55974	Spring Grove	$1,746	16.9%	2.64%	N/A
55965	Preston	$1,746	69.6%	14.37%	0.56%
56544	Frazee	$1,746	68.4%	9.17%	0.45%
56448	Fifty Lakes	$1,745	70.0%	10.20%	0.87%
56266	Morgan	$1,745	40.2%	5.38%	1.08%
56515	Battle Lake	$1,743	110.6%	17.19%	0.25%
56316	Brooten	$1,740	30.6%	4.55%	1.30%
55329	Eden Valley	$1,735	37.5%	6.76%	0.54%
55972	Saint Charles	$1,734	258.8%	31.98%	0.22%
56315	Brandon	$1,733	82.9%	16.74%	N/A
56438	Browerville	$1,733	42.9%	7.23%	0.18%
56347	Long Prairie	$1,732	77.7%	7.51%	0.12%
56175	Tracy	$1,731	31.5%	6.49%	0.72%
55007	Brook Park	$1,730	105.4%	6.78%	0.22%
56359	Onamia	$1,730	74.9%	9.01%	N/A
56425	Baxter	$1,730	141.4%	19.29%	0.06%
56068	Minnesota Lake	$1,730	114.9%	18.00%	0.67%
56240	Graceville	$1,726	32.1%	8.49%	0.94%
56465	Merrifield	$1,724	73.5%	9.50%	0.16%
55335	Gibbon	$1,723	199.3%	26.03%	N/A
55921	Caledonia	$1,723	23.6%	5.06%	0.36%
55723	Cook	$1,719	57.1%	6.37%	0.48%
56369	Rockville	$1,715	23.2%	3.77%	0.94%
56481	Verndale	$1,712	183.7%	16.42%	0.75%
56225	Clinton	$1,712	116.9%	20.13%	N/A
56282	Raymond	$1,712	843.5%	75.69%	N/A
55904	Rochester	$1,711	144.7%	18.14%	0.41%
56473	Pillager	$1,710	116.4%	12.66%	0.11%
56208	Appleton	$1,710	190.7%	29.08%	1.42%
56027	Elmore	$1,710	15.3%	5.71%	1.43%
56520	Breckenridge	$1,709	38.0%	6.14%	0.67%
56051	Kiester	$1,708	62.6%	9.09%	1.30%
56567	New York Mills	$1,708	57.9%	8.72%	0.39%
56586	Underwood	$1,708	154.1%	23.47%	0.35%
56667	Puposky	$1,708	32.8%	3.42%	N/A
56479	Staples	$1,706	57.0%	6.08%	0.36%
56470	Park Rapids	$1,703	41.8%	5.63%	0.24%
56303	Saint Cloud	$1,702	278.6%	30.54%	0.46%
55941	Hokah	$1,702	60.2%	10.87%	0.54%
55804	Duluth	$1,702	38.6%	3.25%	0.33%
56482	Wadena	$1,701	60.3%	9.02%	0.65%
56253	Lake Lillian	$1,700	257.0%	23.04%	0.49%
56143	Jackson	$1,699	45.1%	8.36%	0.37%
56164	Pipestone	$1,697	32.3%	6.74%	0.82%
55744	Grand Rapids	$1,696	66.1%	8.11%	0.38%
56354	Miltona	$1,695	233.4%	25.17%	N/A
56560	Moorhead	$1,693	29.7%	4.56%	0.35%
56443	Cushing	$1,689	93.0%	11.22%	0.37%
56528	Dent	$1,688	37.1%	4.41%	0.34%
56657	Marcell	$1,687	195.6%	10.83%	0.36%
56521	Callaway	$1,686	6.5%	3.10%	0.78%
56345	Little Falls	$1,686	83.8%	9.96%	0.41%
56535	Erskine	$1,685	29.4%	5.80%	0.29%
56736	Mentor	$1,685	49.9%	9.83%	0.25%
56318	Burtrum	$1,684	79.3%	10.26%	0.32%
56324	Dalton	$1,684	442.2%	40.83%	N/A
56477	Sebeka	$1,683	5.8%	3.57%	0.82%
56221	Chokio	$1,682	251.1%	27.78%	N/A
56537	Fergus Falls	$1,682	53.9%	6.46%	0.34%
55803	Duluth	$1,681	46.5%	4.70%	0.39%
56579	Rothsay	$1,680	24.0%	5.52%	1.38%
56183	Westbrook	$1,678	54.9%	4.76%	N/A
56721	East Grand Forks	$1,677	36.1%	6.29%	0.36%
56136	Hendricks	$1,676	83.6%	16.17%	1.28%
55922	Canton	$1,672	27.4%	4.29%	N/A
55613	Schroeder	$1,671	290.1%	2.78%	0.69%
56150	Lakefield	$1,671	51.4%	6.29%	0.87%
56311	Barrett	$1,670	114.7%	22.90%	N/A
56181	Welcome	$1,669	57.5%	7.74%	N/A
55790	Tower	$1,668	22.4%	3.92%	0.15%
56121	Ceylon	$1,666	5.9%	3.80%	1.27%
56361	Parkers Prairie	$1,666	106.8%	10.61%	1.13%
56529	Dilworth	$1,664	19.4%	5.08%	0.24%
56655	Longville	$1,662	63.8%	7.17%	0.43%
56548	Halstad	$1,662	13.3%	5.36%	N/A
56156	Luverne	$1,658	36.6%	6.81%	0.79%
56585	Ulen	$1,658	17.3%	6.12%	N/A
56461	Laporte	$1,657	34.4%	5.07%	0.47%
56540	Fertile	$1,655	111.3%	6.21%	1.03%
55733	Esko	$1,653	64.3%	3.47%	0.37%
55366	New Auburn	$1,650	59.3%	9.23%	N/A
56452	Hackensack	$1,649	58.3%	6.06%	0.48%
55939	Harmony	$1,647	35.0%	5.42%	1.81%
56601	Bemidji	$1,647	58.0%	5.01%	0.34%
56338	Hillman	$1,647	73.2%	12.20%	0.80%
55601	Beaver Bay	$1,644	N/A	N/A	N/A
55811	Duluth	$1,635	29.8%	4.44%	0.20%
55969	Rollingstone	$1,634	153.4%	14.75%	0.41%
55987	Winona	$1,633	167.5%	16.18%	0.35%
56570	Osage	$1,633	32.5%	7.18%	0.26%
56142	Ivanhoe	$1,632	17.6%	8.21%	1.49%
56531	Elbow Lake	$1,631	198.4%	32.99%	0.26%
56587	Vergas	$1,630	26.5%	4.68%	N/A
56475	Randall	$1,629	209.4%	16.16%	0.44%
55775	Pengilly	$1,624	27.0%	5.98%	0.64%
56437	Bertha	$1,623	89.6%	15.27%	N/A
55609	Knife River	$1,621	2.8%	2.14%	N/A
56732	Karlstad	$1,614	17.6%	3.53%	1.18%
55606	Hovland	$1,613	2.6%	1.64%	N/A
56387	Waite Park	$1,610	216.4%	23.95%	0.53%
55779	Saginaw	$1,609	75.4%	7.08%	0.48%
56647	Hines	$1,608	203.2%	14.92%	1.10%
55783	Sturgeon Lake	$1,607	79.9%	8.53%	0.37%
56453	Hewitt	$1,606	152.9%	15.63%	1.04%
55702	Alborn	$1,606	5.1%	3.03%	N/A
56343	Kensington	$1,605	115.8%	22.99%	N/A
55718	Carlton	$1,604	19.6%	3.76%	0.28%
56536	Felton	$1,601	177.9%	8.96%	1.49%
56634	Clearbrook	$1,599	24.6%	3.23%	0.54%
56716	Crookston	$1,593	26.9%	5.10%	0.39%
55704	Askov	$1,593	21.9%	3.98%	1.33%
55710	Britt	$1,592	28.3%	3.83%	0.36%
56738	Newfolden	$1,590	42.6%	6.62%	N/A
55748	Hill City	$1,590	38.4%	4.81%	0.32%
56278	Ortonville	$1,589	275.6%	32.25%	0.36%
55760	Mcgregor	$1,588	44.1%	5.97%	0.32%
56455	Ironton	$1,587	64.0%	8.89%	0.49%
56326	Evansville	$1,584	81.3%	11.78%	N/A
55703	Angora	$1,582	9.1%	2.05%	N/A
56584	Twin Valley	$1,579	14.1%	6.08%	N/A
55707	Barnum	$1,578	37.2%	4.47%	0.53%
56551	Henning	$1,576	24.9%	7.99%	0.54%
56569	Ogema	$1,575	26.5%	1.68%	0.42%
55954	Mabel	$1,575	16.9%	4.30%	N/A
55725	Crane Lake	$1,574	36.7%	2.65%	N/A
56662	Outing	$1,573	113.9%	10.29%	0.30%
55793	Warba	$1,573	15.6%	2.74%	N/A
56447	Emily	$1,573	182.7%	19.90%	0.13%
56433	Akeley	$1,571	67.5%	5.54%	0.30%
56385	Villard	$1,567	228.6%	7.89%	N/A
56683	Tenstrike	$1,567	385.8%	19.80%	N/A
56672	Remer	$1,566	50.8%	7.09%	0.38%
55735	Finlayson	$1,565	20.8%	3.14%	0.87%
55959	Minnesota City	$1,565	160.4%	18.58%	N/A
55711	Brookston	$1,564	2.7%	1.02%	2.04%
56556	Mcintosh	$1,560	17.1%	3.74%	2.80%
56450	Garrison	$1,560	56.5%	7.88%	0.45%
56510	Ada	$1,560	20.2%	4.60%	2.76%
55709	Bovey	$1,558	82.9%	9.57%	0.41%
56762	Warren	$1,558	44.3%	4.99%	0.28%
55037	Hinckley	$1,555	119.9%	8.66%	0.22%
55742	Goodland	$1,553	6.8%	0.98%	1.96%
55767	Moose Lake	$1,551	353.7%	35.02%	0.14%
56360	Osakis	$1,550	61.3%	7.47%	0.44%
56636	Deer River	$1,550	77.5%	9.44%	0.79%
56440	Clarissa	$1,549	213.3%	22.58%	0.81%
56621	Bagley	$1,547	57.4%	2.58%	0.26%
55797	Wrenshall	$1,547	12.0%	1.90%	N/A
56431	Aitkin	$1,546	55.8%	6.41%	0.31%
56678	Solway	$1,546	77.3%	5.68%	0.87%
56138	Hills	$1,544	192.3%	30.59%	N/A
56552	Hitterdal	$1,544	140.4%	19.67%	N/A
56309	Ashby	$1,540	241.7%	27.10%	0.23%
56589	Waubun	$1,540	20.9%	3.04%	0.65%
55722	Coleraine	$1,534	229.9%	21.83%	0.87%
55731	Ely	$1,533	45.9%	2.64%	0.44%
56467	Nevis	$1,532	40.9%	4.27%	0.20%
55604	Grand Marais	$1,532	11.8%	1.60%	0.22%
56701	Thief River Falls	$1,530	24.0%	3.46%	0.47%
55810	Duluth	$1,525	27.9%	3.13%	0.24%
55768	Mountain Iron	$1,525	13.6%	3.00%	0.57%
56466	Motley	$1,524	56.9%	7.30%	0.46%
55616	Two Harbors	$1,521	28.5%	3.53%	0.14%
56676	Shevlin	$1,520	28.6%	4.03%	0.50%
56219	Browns Valley	$1,519	42.4%	6.47%	N/A
56441	Crosby	$1,517	87.2%	9.99%	0.23%
55757	Kettle River	$1,508	31.5%	9.09%	N/A
55751	Iron	$1,508	6.7%	1.83%	0.61%
55785	Swatara	$1,507	50.0%	3.66%	N/A
55736	Floodwood	$1,507	22.4%	4.06%	0.31%
55717	Canyon	$1,507	87.5%	13.17%	0.49%
56763	Warroad	$1,506	17.7%	3.04%	0.54%
55726	Cromwell	$1,504	19.3%	3.32%	1.85%
56750	Red Lake Falls	$1,502	39.1%	7.52%	1.77%
55738	Forbes	$1,498	37.4%	3.17%	1.59%
56464	Menahga	$1,494	45.1%	4.52%	0.39%
56637	Talmoon	$1,493	10.5%	2.60%	N/A
55720	Cloquet	$1,484	62.0%	7.00%	0.28%
56641	Federal Dam	$1,482	80.6%	10.27%	0.68%
55705	Aurora	$1,482	52.1%	2.24%	0.70%
56435	Backus	$1,482	56.1%	6.96%	0.56%
56342	Isle	$1,481	111.2%	11.85%	0.48%
55072	Sandstone	$1,480	30.6%	5.77%	0.69%
55798	Wright	$1,475	6.2%	1.05%	1.05%
55764	Marble	$1,473	15.8%	5.88%	N/A
56751	Roseau	$1,469	14.2%	3.64%	0.34%
56633	Cass Lake	$1,468	18.2%	2.87%	0.72%
55806	Duluth	$1,467	14.0%	3.17%	0.30%
56630	Blackduck	$1,466	168.4%	7.77%	0.25%
56639	Effie	$1,465	20.1%	2.40%	0.60%
56649	International Falls	$1,464	29.5%	3.48%	0.60%
56628	Bigfork	$1,463	64.7%	7.13%	0.50%
56557	Mahnomen	$1,461	27.5%	4.48%	0.69%
56386	Wahkon	$1,459	25.5%	2.81%	0.70%
55781	Side Lake	$1,457	53.5%	9.98%	0.83%
55765	Meadowlands	$1,457	12.8%	2.96%	N/A
55805	Duluth	$1,457	24.3%	2.34%	0.47%
56469	Palisade	$1,449	38.6%	4.46%	0.46%
55787	Tamarack	$1,442	47.3%	5.53%	N/A
56650	Kelliher	$1,440	17.3%	3.14%	1.05%
56350	Mc Grath	$1,440	1.2%	0.67%	N/A
55792	Virginia	$1,433	15.4%	3.22%	0.55%
56726	Greenbush	$1,433	44.4%	9.36%	N/A
55732	Embarrass	$1,431	39.0%	4.39%	0.49%
56458	Lake George	$1,426	34.1%	6.72%	N/A
55752	Jacobson	$1,425	12.1%	1.63%	0.54%
55771	Orr	$1,423	17.6%	2.19%	0.90%
55769	Nashwauk	$1,421	39.4%	5.93%	0.46%
55713	Buhl	$1,412	6.6%	1.86%	0.47%
56542	Fosston	$1,407	71.2%	4.60%	N/A
56669	Kabetogama	$1,407	13.9%	3.85%	N/A
55741	Gilbert	$1,407	34.6%	2.80%	0.10%
56644	Gonvick	$1,402	57.6%	9.76%	0.81%
55603	Finland	$1,399	2.9%	1.49%	0.50%
56681	Squaw Lake	$1,397	58.6%	3.64%	N/A
55712	Bruno	$1,391	42.2%	3.85%	2.56%
55607	Isabella	$1,390	62.7%	3.27%	N/A
55795	Willow River	$1,388	52.0%	5.20%	0.23%
56661	Northome	$1,383	35.6%	3.16%	1.05%
55756	Kerrick	$1,380	0.5%	0.73%	0.73%
55746	Hibbing	$1,379	23.6%	3.11%	0.60%
55807	Duluth	$1,379	42.8%	2.28%	0.10%
56728	Hallock	$1,378	5.4%	1.42%	2.83%
55749	Holyoke	$1,374	15.1%	3.74%	0.53%
55734	Eveleth	$1,374	18.1%	3.47%	0.48%
56653	Littlefork	$1,370	6.6%	2.87%	0.41%
56623	Baudette	$1,365	19.7%	4.37%	0.29%
55808	Duluth	$1,364	17.3%	2.56%	0.35%
55719	Chisholm	$1,362	32.5%	3.62%	0.66%
56663	Pennington	$1,352	353.4%	23.33%	N/A
55614	Silver Bay	$1,352	14.1%	1.64%	0.88%
55708	Biwabik	$1,351	10.4%	3.53%	0.39%
56651	Lengby	$1,340	80.5%	6.41%	N/A
55724	Cotton	$1,321	42.7%	4.66%	0.64%
55753	Keewatin	$1,279	27.4%	5.47%	0.50%
56686	Williams	$1,272	32.6%	2.25%	0.32%
56626	Bena	$1,263	134.5%	16.83%	1.98%
56727	Grygla	$1,256	61.6%	5.49%	5.49%
55706	Babbitt	$1,253	18.1%	1.48%	1.11%
56673	Roosevelt	$1,224	8.5%	2.19%	N/A
55763	Makinen	$1,210	100.7%	8.45%	0.85%
55750	Hoyt Lakes	$1,182	39.6%	2.57%	0.34%
55782	Soudan	$1,159	35.7%	2.31%	N/A
56685	Waskish	$1,113	N/A	N/A	N/A
55602	Brimson	$1,095	26.1%	1.29%	0.43%

Minnesota Insurance Guides

Why Is Homeowners Insurance So Expensive?

Key factors driving premium increases nationwide

The Insurance Nonrenewal Crisis

Why insurers are dropping policyholders and what it means

Understanding Loss Ratios

What loss ratios reveal about your state's insurance market

Insurance Costs by State

How Minnesota compares to other states

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Premium Rankings

Most & least expensive ZIPs and states nationwide

Dental Insurance in Minnesota

DHMO vs DPPO premiums (NADP 2024)

Compare All States

Average premiums and nonrenewals across the U.S.

Frequently Asked Questions

What is the average homeowners insurance cost in Minnesota? ▼

The average homeowners insurance premium in Minnesota is $1,928 per year, based on U.S. Treasury FIO data covering 689 ZIP codes. This is 9% above the national average of $1,776.

How have insurance premiums changed in Minnesota? ▼

Minnesota homeowners insurance premiums changed by +12.8% between 2018 and 2022. The average loss ratio is 117.2%, meaning insurers pay out that percentage of earned premiums in claims.

Which ZIP code has the most expensive insurance in Minnesota? ▼

The most expensive ZIP code for homeowners insurance in Minnesota is 55403, with an average premium of $5,811/yr. The most affordable is 55602 at $1,095/yr.

What is the nonrenewal rate for Minnesota homeowners insurance? ▼

The average nonrenewal rate in Minnesota is 0.65%. This rate has changed by +22.3% from 2018 to 2022. Nonrenewals occur when an insurer declines to renew an existing policy at expiration. ZIP 56727 has the highest nonrenewal rate in the state at 5.49%.

What is a loss ratio and what does Minnesota's mean? ▼

A loss ratio measures how much an insurer pays out in claims compared to premiums collected. Minnesota's average loss ratio is 117.2%. Ratios above 100% indicate insurers are paying more in claims than they collect, which often leads to premium increases.

How often do homeowners file insurance claims in Minnesota? ▼

The average claim frequency in Minnesota is 13.17%, meaning that percentage of policies result in a claim each year. The average claim severity (cost per claim) is $16,728. Higher claim frequency and severity typically correlate with higher premiums.

What this means in Minnesota

State averages set the benchmark — your ZIP and your home decide the rest.

Look up your exact ZIP in Minnesota — premiums vary widely across the state. Browse ZIPs
See where Minnesota ranks against every other state. Premium rankings
A high statewide loss ratio signals rate pressure — understand what that means before you renew. Loss ratio guide

State figures are five-year ZIP-level averages from U.S. Treasury FIO data — a benchmark, not a quote for any individual home.

Source: U.S. Department of the Treasury, Federal Insurance Office (FIO) Homeowners Insurance Data (2018-2022). Premiums are ZIP-level averages and may not reflect individual policy costs U.S. Department of the Treasury, Federal Insurance Office (FIO) Homeowners Insurance Data (2018-2022). Premiums are ZIP-level averages and may not reflect individual policy costs

Browse all ZIPs → | Rankings → | All states →

Compiled byPlaininsure Editorial, Homeowners Insurance Transparency Editorial Team

Source data: U.S. Treasury FIO · FEMA National Risk Index · NOAA Storm Events. See our methodology.

Minnesota Homeowners Insurance

Data Snapshot: Minnesota Homeowners Insurance

Loss Ratio Reading: Minnesota

Premium Trends (2018-2022)

Average premium in Minnesota, 2018–2022

Average homeowners premium per year in Minnesota.

Most Expensive ZIP Codes in Minnesota

Most Affordable ZIP Codes in Minnesota

All ZIP Codes in Minnesota

Minnesota Insurance Guides

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Frequently Asked Questions

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